Total CFPB complaints
10
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 10 complaints
Oklahoma Motor Credit Company — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Oklahoma Motor Credit Company
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
7 complaints
- Written notification about debt
Written notification about debt
3 complaints
D
Grade D · 58.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Oklahoma Motor Credit Company?
Oklahoma Motor Credit Company has accumulated 10 total CFPB complaints across 1 states, with 6 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 60.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 80% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 1 states, led by Oklahoma with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places Oklahoma Motor Credit Company in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
60.0% of total history
Rising ↑
States active
1
Distinct state filings
Timely response rate
80%
Within CFPB SLA window
Reputation grade
D
58.9/100 composite
Response-quality profile
How Oklahoma Motor Credit Company performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 80.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Oklahoma Motor Credit Company compare to its peers?
Oklahoma Motor Credit … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-04 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action7 (%)
Written notification about debt3 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Oklahoma Motor Credit Company come from?
The states where consumers have filed the most CFPB complaints against Oklahoma Motor Credit Company. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Oklahoma Motor Credit Company
Across 1 states with at least one filing
- Oklahoma
Oklahoma
10 complaints
Frequently Asked Questions
What is the most common complaint against Oklahoma Motor Credit Company? ▼
The most common issue consumers report about Oklahoma Motor Credit Company is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 10 complaints filed with the CFPB.
Are complaints against Oklahoma Motor Credit Company increasing or decreasing? ▼
Complaints against Oklahoma Motor Credit Company are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Oklahoma Motor Credit Company's reputation grade? ▼
Oklahoma Motor Credit Company has a reputation grade of D (score: 58.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Oklahoma Motor Credit Company respond to consumer complaints? ▼
Oklahoma Motor Credit Company has a 80% timely response rate to CFPB complaints.
In how many states does Oklahoma Motor Credit Company operate? ▼
Oklahoma Motor Credit Company has received CFPB complaints from consumers in 1 states, with the most complaints from Oklahoma (10 complaints).
What can I do if Oklahoma Motor Credit Company is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Oklahoma Motor Credit Company violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |